Action Gator Tire Credit Card

Synchrony Pending

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1

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: action-gator-tire-credit-card

Issuer: Synchrony

Card Name: Action Gator Tire Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 06:27

Last Scraped: Feb 16, 2026 06:29

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING
Benefits & Protections (Detailed) 1 Total
PENDING
Financing 1
Special Financing Offers
Varies by promotion

Cardholders can access special financing promotions on qualifying purchases made at Action Gator Tire locations. These promotions typically involve deferred interest or reduced APR for a specified period, subject to minimum purchase requirements and account good standing. Specific terms and conditions apply to each offer and are disclosed at the time of purchase.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 12 months

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 or 12 months.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility requirements for the Action Gator Tire Credit Card include being at least 18 years old (19 in AL/NE), a U.S. resident with a valid Social Security Number or ITIN, and having verifiable income. A fair to good credit score (typically FICO 620+) is generally required for approval. New cardholders in 2026 may receive a one-time discount on their first qualifying purchase (e.g., 10-15% off or a fixed dollar amount like $50 off $250+) or special deferred financing offers (e.g., 0% APR for 6-12 months on purchases over $199). Application is primarily available online or in-store at authorized Action Gator Tire locations. Store-specific restrictions apply, meaning the card is exclusively for purchases at Action Gator Tire locations and their affiliated service centers.

Max Cards Per Issuer: 7

Min Spend Interval: Bonus offers are typically tied to the first qualifying purchase made within 30-90 days of account opening, or deferred financing applies automatically to qualifying purchases meeting a minimum transaction threshold.

Shutdown Risk Triggers: High cumulative credit limit across multiple Synchrony accounts, excessive applications for Synchrony or other credit products within a short period (app-o-ramas), failure to make minimum payments or repeated late payments on any Synchrony account, abuse of promotional financing terms, suspicious or fraudulent activity, or significant adverse changes to credit profile.

Cliff Effect Rules: Synchrony manages overall credit exposure across all accounts issued by them. While there isn't a 'card family' rule, reaching a certain cumulative credit limit across all Synchrony cards (e.g., $20,000-$30,000) can lead to denials for new applications or credit limit reductions on existing accounts, regardless of individual card performance.

Special Events: Expect seasonal promotions for tire purchases (e.g., winter tire sales, summer road trip readiness), maintenance services, and specific product launches. Look for events around major automotive service periods throughout the year.

Holiday Promos: Anticipate enhanced financing offers or discounts during major retail holidays such as Black Friday, Cyber Monday, Memorial Day, Labor Day, and year-end sales events.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Easy approval process, especially for fair credit. Useful for financing large tire and auto service purchases with promotional offers.

Top Negative:
High standard APR if promotional financing is not paid off. Limited utility outside of Action Gator Tire locations. Some users report issues with Synchrony customer service.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Goodyear Credit Card
  • Firestone Credit Card
  • Capital One Platinum Secured Credit Card

Card Value Score: 50.0 / 100

Est. Annual Rewards: $37.50

Approval Probability: 75.0%

Version Control
PENDING

Version ID: October 2023